Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$313,852Cash toward the purchase price.
Closing costs + prepaids$22,504Not just lender fees.
Before credits & paid funds$336,356The complete starting cash picture.
Estimated remaining funds due at closing
$336,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,852.06
Your down payment$313,852.06
Closing costs + prepaids$22,504.11
Total buyer cash needed$336,356.16
Remaining funds due$336,356.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,199.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,400.00
Initial HOA (3 months)$345.00
Prepaid interest, first (17 days)$2,335.11
Fees + prepaids$22,504.11
Your down payment is the seller’s equity. You take over the $806,048 balance, so the rest of the $1,119,900 price is paid at closing. A second mortgage can cover part of it. $336,356.16 is due at closing. Uses and sources reconcile at $1,142,404.11 each. Not a Closing Disclosure.